在山西省呂梁市柳林縣，一起令人震驚的金融詐騙事件揭露普通儲戶多年辛苦積攢的血汗錢，竟然在銀行營業廳內被騙得一乾二淨。這起事件始於2019年至2020年間，涉及的受害者多達57人，總金額高達1180萬元，這些錢是數十個家庭多年來的積蓄，原本是用來保障生活或應對未來需要的。

事件發生在當地一家銀行的營業廳內，三名穿著與銀行工作服相似的人，以銀行“業務員”的身份長期在大廳內活動。他們在ATM機附近設立攤位，擺放禮品，主動協助儲戶辦理各種業務，並向儲戶通知銀行的各類活動。這種親切和周到的服務逐漸取得儲戶們的信任。隨後，他們開始向儲戶推薦所謂的“高收益理財產品”，聲稱年利率可達4%至10.2%，半年到期，比傳統定期存款更划算。

在業務員的“手把手”指導下，儲戶們按照對方指示，通過自己的手機銀行APP，將資金轉至北京鼎輝世紀、普信惠福等多家商業公司，購買這些宣稱收益豐厚的理財產品。很多儲戶都認為自己是在銀行官方管道操作，並對產品的安全性抱有信任，因此毫無防備地將多年積蓄交給這三名“業務員”。然而，當2020年6月這些理財產品到期時，儲戶們驚訝地發現，不僅本金無法取回，連利息也一分不剩。整整五年過去了，受害者們仍未能追回任何資金。此事在社會上引起強烈譴責，許多受害家庭感到極度憤慨與無助。他們普遍質疑，這筆錢是在銀行營業廳發生的交易，而且操作的人也是以銀行“業務員”的身份出現，銀行是否應該承擔相應責任？

這起案件之所以令人震驚，不僅因為涉案金額巨大，也在於它打破人們對銀行安全與信任的認知。儲戶們原以為將積蓄存在銀行是最安全的選擇，卻沒想到銀行營業廳內竟成詐騙的現場，而長達五年的追討仍毫無進展，更加凸顯了事件的荒謬與殘酷。

In Liulin County, Lüliang City, Shanxi Province, a shocking financial fraud exposed how ordinary depositors’ hard-earned savings were completely wiped out right inside a bank branch. The scheme took place between 2019 and 2020, involving as many as 57 victims and totaling 11.8 million yuan. These funds represented decades of savings from dozens of families, originally intended to secure their livelihoods or meet future needs.

The incident occurred within a local bank branch, where three individuals, dressed in clothing resembling bank uniforms, operated as “bank staff” over an extended period. They set up a booth near the ATMs, displayed gifts, assisted customers with various banking services, and informed them about the bank’s activities. Their seemingly attentive and friendly service gradually gained the trust of depositors. Soon, they began recommending so-called “high-yield financial products,” claiming annual interest rates of 4% to 10.2% with a six-month term—far more profitable than traditional fixed deposits.

Under the “hands-on” guidance of these staff, depositors followed instructions and, through their own mobile banking apps, transferred funds to several commercial companies, including Beijing Dinghui Century and Puxin Huifu, to purchase these allegedly high-yield products. Many depositors believed they were operating through official banking channels and trusted the safety of the products, leaving them completely unguarded as they handed over years of savings to the three “staff members.”

However, when these financial products matured in June 2020, depositors were shocked to find that not only was their principal inaccessible, but not a single cent of interest could be retrieved either. Five years have passed, and the victims have yet to recover any of their funds. The case has drawn strong public condemnation, leaving many affected families extremely frustrated and helpless. They have raised serious questions: the transactions occurred inside a bank branch, and the individuals involved posed as bank staff—should the bank not bear responsibility for what happened?

What makes this case particularly shocking is not only the enormous amount involved, but also how it shattered public trust in banking security. Depositors had believed that keeping their savings in a bank was the safest option, yet the branch itself became the scene of fraud. Even after five years, no progress has been made in recovering the money, underscoring the absurdity and cruelty of the incident.